Business Gold Credit Card


A card enabling additional money and secure travelling for your company

  • Make transfers via Internet Bank and Mobile app directly from your credit card account.
  • Withdraw money from ATMs and pay for goods and services in Estonia and abroad.
  • Free travel insurance for the card holder and his/her three colleagues.
  • Priority Pass Membership Card.

Please be informed that starting from 24th September Swedbank is expanding collaboration with our long-term partner Mastercard.

  • As of this date, we will issue new and replaced Business Gold credit cards as Mastercard cards.
  • If you are holder of VISA Business Gold credit card which expires in or before 09/2020 it will be still renewed to VISA Business Gold credit card, but if credit card expires in or after 10/2020 it will be renewed to Mastercard Business Gold credit card.
Card for your daily financial affairs
  • A credit limit of 1000-32 000 €.
  • There is an interest-free period of up to 40 days (from the purchase until the payment date) when paying by card. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.
  • It is important for shopping online to be convenient and secure. In order to pay with the card online you must activate Secure Internet Shopping.

Activate Secure Internet Shopping

Manage user rights and limits easily
  • If several card users share the credit limit, you may use the Internet or Mobile Bank to assign every user separate limits for purchases and cash transactions.
  • By adjusting the user rights settings, you can allow or disable various card transactions like payments, withdrawals, deposits, contactless functionality and account statement or balance requests.
  • User rights and limits can be changed by the legal representative of the company who, according to the commercial register, is authorised to represent the company alone, by using Smart-ID, Mobile-ID, ID-card or digital ID.
Priority Pass Membership and travel insurance included
  • The credit card includes an extensive travel insurance package, which applies to the card holder as well as 3 colleagues travelling with him/her across the whole world.
  • The sums insured apply for all insurance cases, regardless of how many times they occur during the trip.
  • The travel insurance is provided by Swedbank P&C Insurance AS.
  • The Priority Pass Membership Card offers you an opportunity to escape the airport noise and pass time in comfortable VIP lounges between your flights.

Insurance product information document for credit cards

Read more about the insurance terms and conditions

Read more about Priority Pass

  • The card can only be issued to companies that have operated for at least six months.
  • When applying for a credit card, you must specify the desired credit limit, card holder(s), purchase and cash withdrawal limits.
  • Depending on the company’s turnover and credit history, the minimum credit limit is 1000 € and the maximum 32 000 €.
  • Please be aware that during limit granting process some additional documents could be requested. For example your last annual report if it is not submitted to the commercial register. The submitted balance and income statement must not be older than 12 months.
  • The card will be delivered to a branch of your choice within up to 5-10 business days.
  • The agreement must be signed by legal representative. Card could picked-up in branch by legal representative as well as by card holder if the agreement is signed before.


Effective as of 01.11.2019
Business Credit Card When paying for goods or services with a Business Credit Card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
issue fee 5 €
monthly fee 3 €
annual interest rate 18%
penalty 0.2% a day
debt notice 3 €
Business Gold Credit Card When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to a 40- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
issue fee 10 €
monthly fee 10 €
annual interest rate 14%
penalty 0.2% a day
debt notice 3 €
the Priority Pass salon visit fee 28 € per visitor

General service and transaction fees

Payment in a commercial enterprise free of charge
Cash deposit in euros in home bank’s terminal A limit of 15 000 € per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.
up to 5000 € per calendar month free of charge
over 5000 € per calendar month 0,25% of the deposited amount that exceeds 5000 €
Cash withdrawal 1,92 € + 2.5% of the amount
Transfer from credit card limit account according to regular bank transfers pricelist
Replacement of a card 7 €
Statement of transactions
in last month free of charge
a previous month 4 € per month
Amendment of a credit card agreement
increasing of the credit limit at branch 1% of the requested additional limit, min 10 €
amendment of the agreement 10 € (excluding changing the user limits)
amendment of the agreement in Internet Bank free of charge
Closure of a credit card free of charge
Penalty for using a closed card 65 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with MasterCard/Maestro cards. 0,32 € per query
Demand for refund, unjustified
a transaction in Estonia 12 €
a transaction abroad 16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)
Sending a card from one branch to another The price is inclusive of VAT at the rate of 20%. 2,50 €
Emergency cash assistance in abroad in Western Union service points If the ordered service is canceled, the bank will not refund the service fee. 40 €
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. 1% of transaction amount
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

Terms of usage of Cards for business

Repayment and statement
  • Card purchases have an interest free period of up to 40 days. Calculation will start from the time of purchase until the 1st date of the following month. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.
  • Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card. Interest starts to accrue if the current account lacks funds for automatic repayment of the whole amount used.
  • Optionally, you can pay additional own funds into the credit card account to increase the limit available on the card, or repay the outstanding limit at any time.
  • In order to obtain complete information about the transactions, one must take account of the statuses assigned to each type of transaction. Details of all transactions already debited are available in the credit card’s account statement, whereas purchases that have the interest-free period are in the list of the same account’s reservations.
Card blocking and closing
  • If you suspect you have lost your card, you can temporarily disable it through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.
  • If a bank card is stolen, it must be closed immediately. You could do it by calling our business client consultation center on 6 132 222.
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour Visa help centre +1 410 581 9994.

In case of a new credit card, the PIN is issued in a separate envelope when you collect it at branch.

Renewed cards will have their former PIN.

If you would like to secure PIN then you can change it in Swedbank ATMs in Estonia.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

  • If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
  • If you block your PIN in ATM or can’t remember the PIN, you need to order the new card.
Disputing card transactions

You can dispute a card transaction sending the bank message, call to consultation center 6 132 222 or turn to nearest branch if:

  • you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider;
  • an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

  • Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
  • Make sure that you as a cardholder always know where your payment card is.
  • If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
  • Always check the transaction amount that you approve with the card.
  • Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
  • It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.
  • When a cardholder gets a new card, they will also receive a PIN that is known only to them. Renewed cards will keep their former PIN.
  • Do not tell or show the PIN to anyone, not even to bank employees.
  • Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
  • For payment approval, try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
  • If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, the cardholder must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
  • Do not use identical PIN codes for different cards for the ease of memorising them.
  • If a bank card is lost or stolen, it must be closed immediately. This can be done on the Business Internet Banking site, the mobile app or by calling our business client consultation centre on 6 132 222. For security reasons, we advise cardholders to keep Swedbank's phone number in their phone's memory.
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged) or VISA card 24h international assistance line on +1 410 581 9994 (charged).

Debit card with credit card features.

A card enabling additional money for your company that can also be used to pay bills.


In case of an insured event, please contact our claims handling.

Swedbank P&C Insurance AS Liivalaia 12, Tallinn, 15039

888 2111

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